Top Training ICWIM Online | Valid Certification ICWIM Cost: International Certificate in Wealth & Investment Management

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CISI ICWIM Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Regulation and Ethics15%- Regulatory framework
  • 1. Compliance requirements
  • 2. Financial regulation principles
  • 3. Investor protection
- Ethical conduct
  • 1. Conflict of interest
  • 2. Professional responsibilities
  • 3. CISI Code of Ethics
Topic 2: Market Environment20%- Economic environment
  • 1. Macroeconomic factors affecting investments
  • 2. Interest rates and inflation
  • 3. Business cycles
- Role and function of financial markets
  • 1. Types of financial markets and their roles
  • 2. Market participants and intermediaries
  • 3. Market indices and benchmarks
Topic 3: Risk and Return20%- Portfolio theory
  • 1. Asset allocation principles
  • 2. Risk-return profiling
  • 3. Modern portfolio theory
- Risk concepts
  • 1. Risk diversification
  • 2. Risk measurement
  • 3. Types of investment risk
Topic 4: Financial Products20%- Bonds and fixed income
  • 1. Yield and price relationships
  • 2. Bond types and characteristics
  • 3. Credit risk
- Collective investments
  • 1. ETFs and index trackers
  • 2. Fund selection criteria
  • 3. Funds and structured products
- Equities and shares
  • 1. Valuation methods
  • 2. Types of equity
  • 3. Dividends and total return
Topic 5: Client Advisory25%- Portfolio construction
  • 1. Performance measurement
  • 2. Asset allocation strategies
  • 3. Portfolio review and rebalancing
- Client needs analysis
  • 1. Investment objectives
  • 2. Risk profiling and suitability
  • 3. Time horizons

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q111-Q116):

NEW QUESTION # 111
Your client estimates that they will require £50,000 of income annually to live off when they retire. Personal plus state pension will provide £40,000. They wish to retire in 25 years' time. It is estimated that they can earn 5% per annum, and inflation has been forecast at 2%. Interest rates are currently 1.5%. Allowing for inflation, what lump sum would they need to accrue to supplement their pension?

Answer: D

Explanation:
To calculate the required lump sum, we need to determine the present value (PV) of future withdrawals, adjusted for inflation and investment growth.
A screenshot of a paper AI-generated content may be incorrect.


NEW QUESTION # 112
For a key person protection policy, a company will:

Answer: A

Explanation:
Key person protection is a type of business insurance where a company takes out a life insurance policy on a key employee, such as a CEO or top executive.
* Why is Option D Correct?
* An insurable interest must exist # The company must demonstrate financial loss if the key person dies or becomes incapacitated.
* The policy protects against lost revenue, recruitment costs, and operational disruption.
* Why Not Other Options?
* A (Ever-increasing premiums) # Premiums may increase, but this is not a requirement.
* B (Protection against staff leaving) # Key person insurance does not cover resignations.
* C (Undefined sum) # The insured amount is calculated based on business impact.
# Reference: FCA Business Protection Regulations, CISI Wealth & Investment Management.


NEW QUESTION # 113
Which of the following issues is at the heart of fiduciary relationships with clients?

Answer: A

Explanation:
A fiduciary duty requires financial professionals to act in the best interest of their clients. Suitability is central to this duty.
* Why is Option D Correct?
* Firms must ensure that recommendations align with the client's risk tolerance, goals, and financial situation.
* FCA rules require advisers to demonstrate suitability before making recommendations.
* Why Not Other Options?
* A (Commission) # Fee structures matter, but fiduciary duty prioritizes suitability.
* B (Risk) # Important, but suitability includes risk profiling.
* C (Service) # Good service is necessary, but suitability is a regulatory requirement.
# Reference: FCA Handbook (Suitability Rules), CISI Wealth & Investment Management.


NEW QUESTION # 114
Personal accident policies will pay out:

Answer: C

Explanation:
* Personal Accident Policies:
* These policies often include a waiting period before payouts, allowing insurers to verify claims and ensure eligibility.
* The waiting period varies depending on the policy terms.
* Elimination of Other Options:
* A: A doctor's visit is often necessary but not sufficient for payout.
* B: Payments are not instantaneous.
* D: Documentation is required, but it is part of the claim process, not the trigger for payout.
References:
* ICWIM Module 5: Details on insurance policy structures and claims processes.
* Personal Accident Policies:
* These policies often include a waiting period before payouts, allowing insurers to verify claims and ensure eligibility.
* The waiting period varies depending on the policy terms.
* Elimination of Other Options:
* A: A doctor's visit is often necessary but not sufficient for payout.
* B: Payments are not instantaneous.
* D: Documentation is required, but it is part of the claim process, not the trigger for payout.
References:
* ICWIM Module 5: Details on insurance policy structures and claims processes.


NEW QUESTION # 115
A fiduciary relationship normally arises between:

Answer: A

Explanation:
# Reference: CISI Code of Ethics, CFA Standards of Professional Conduct.


NEW QUESTION # 116
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